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请问下普通银行贷款和公积金贷款之间相差多少钱啊_其他_设计456问答
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请问下普通银行贷款和公积金贷款之间相差多少钱啊

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请问下普通银行贷款和公积金贷款之间相差多少钱啊

浏览：54次 | 提问时间： 07-01 04:34
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3个答案
人潮拥挤 07-01 04:35

我办过公积金贷款过，公积金贷款，不是看你公积金账户上有多少钱，而是看你买了房子首付后还差多少钱，一般情况下，首付后还差多少，都可以从公积金那里贷款，最高额可以贷40万元。公积金贷款的好处是：比商业银行贷款的利率低，比如现在商业银行贷款的月利率是千分之五点六，而公积金月利率才是千分之三点三。也就是说贷1万元，你一个月少付23元，你说合算吗？

当街露咪咪只为喂孩子 07-01 04:44

贷款买房有多种，有公积金贷款和商业贷款。首套的话是按照房价总额的，公积金贷款20%、商业贷款30%；二套住房多为4成。非普通住宅又有差别。??在贷款前，你要先知道自己的公积金帐户上有多少钱，单位每月给你多少钱。只有知道自己的情况才能去贷款。

我不会在乖 07-01 04:52

房贷主要有两种，一种是公积金贷款，一种是普通的银行贷款。实际上通过银行办理普通的贷款业务，也应该属于个人商业贷款的范畴，在利率方面，二者相差不大的。

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